Everything You Need to Know

Table of Contents:

  • South Carolina Auto Insurance Costs by Insurer
  • South Carolina Auto Insurance Premiums by Driver Age
  • South Carolina Car Insurance Premiums by Gender and Marital Status
  • Average South Carolina Auto Insurance Rates After a Violation or Accident
  • South Carolina Auto Insurance Premiums by Credit Tier
  • Expensive South Carolina Cities
  • Cheaper South Carolina Cities
  • List of Insurance Companies in South Carolina
  • No-Fault Auto Insurance in South Carolina
  • Driving in South Carolina

    South Carolina Auto Insurance Costs by Insurer

    As a driver in South Carolina, it’s important to know which company provides the cheapest car insurance in South Carolina. The Zebra reports that these companies have the most affordable insurance rates for South Carolina drivers:

    • Allstate: $1639
    • The Hartford: $760
    • National Grange Mutual: $1610
    • Nationwide: $1774
    • Progressive: $1675
    • Safe Auto: $2856
    • Southern Farm Bureau: $1586
    • State Farm: $1416
    • Travelers Insurance: $1370
    • USAA: $1319

      Moneygeek says that GEICO is often the most affordable option for drivers who want coverage that exceeds the state minimum requirements. The website lists these average annual quotes for liability-only coverage as the most affordable:

      • Allstate: $604
      • GEICO: $470
      • State Farm: $574
      • Travelers Insurance: $743
      • USAA: $500

        WalletHub provided a list of the cheapest full coverage policies for a single male driver, age 45, with a good credit score and driving history:

        • American National Insurance: $667
        • GEICO: $1129
        • State Farm: $1437
        • Travelers Insurance: $1411
        • USAA: $1498

          South Carolina Auto Insurance Premiums by Driver Age

          Drivers in South Carolina pay high auto insurance rates between ages 16 and 25, and particularly before age 20. In fact, South Carolina teens and teens across the U.S. pay about $4742 a year for car insurance, 300 percent of the average rate for older adults.

          The Zebra lists these auto insurance rates by age as average for the state:

          • Age 16: $5050 on a policy with a parent, $6372 for an independent policy
          • Age 17: $4732 on a policy with a parent, $5274 for an independent policy
          • Age 18: $4554 on a policy with a parent, $4620 for an independent policy
          • Age 19: $4153 on a policy with a parent, $3190 for an independent policy

            ValuePenguin reports that GEICO and the South Carolina Farm Bureau offer the most affordable insurance rates in the state for drivers in their teens and 20s. The average quotes for drivers in this age group by company are as follows:

            • Allstate: $2187 minimum and $6637 full coverage
            • Auto Owners: $6231 minimum and $7539 full coverage
            • GEICO: $1849 minimum and $4053 full coverage
            • Nationwide: $5545 minimum and $7778 full coverage
            • Progressive: $4734 minimum and $10,369 full coverage
            • South Carolina Farm Bureau: $1986 minimum and $3732 full coverage
            • State Farm: $1901 minimum and $4732 full coverage
            • Travelers Insurance: $4104 minimum and $7618 full coverage
            • USAA: $2044 minimum and $4951 full coverage

              South Carolina Car Insurance Premiums by Gender and Marital Status

              ValuePenguin reports that married South Carolina residents pay less for auto insurance than average single drivers. They note an average quote of $1915 for a married sample driver and $2071 for a single sample driver with comparable characteristics.

              Average South Carolina Insurance Rates After a Violation or Accident

              The website The Zebra reports that drivers in South Carolina pay about 31% less for auto insurance on average if they have no recent at-fault collisions. The average across the U.S. for a good driving record is 32% less ($628) than drivers who have recent claims. Many insurance companies also offer safe-driving bonuses that range from 5 to 10 percent. You could also save about 16.54 percent on your auto insurance premium if you have no recent traffic tickets ($271).

              South Carolina Auto Insurance Premiums by Credit Tier

              The Zebra says that customers who have good credit save more than 50 percent on auto insurance on average, representing a savings of more than $1394.

              Expensive South Carolina Cities

              According to The Zebra, these South Carolina cities have the most expensive annual auto insurance premiums on average:

              • Greenville: $1306
              • Spartanburg: $1308
              • Mount Pleasant: $1346
              • Myrtle Beach: $1404
              • Rock Hill: $1433
              • Columbia: $1438
              • Charleston: $1470
              • Goose Creek: $1472
              • Summerville: $1496
              • Florence: $1502
              • North Charleston: $1508

                WalletHub says that drivers who live in the most expensive areas of the state for auto insurance pay an average of $600 more per year than drivers who live in more affordable car insurance areas.

                Cheaper South Carolina Cities

                According to The Zebra, some of the cities where you can take advantage of the cheapest average annual car insurance in SC include:

                • Simpsonville: $1206
                • Greenwood: $1232
                • Easley: $1233
                • Mauldin: $1250
                • Greer: $1254
                • Aiken: $1258
                • Hilton Head Island: $1266
                • Taylors: $1292
                • Anderson: $1294

                  List of Insurance Companies in South Carolina

                  According to ValuePenguin, large insurance companies in South Carolina include State Farm, GEICO, Progressive, USAA, Allstate, Travelers, Nationwide, Auto-Owners, Southern Farm Bureau, and Liberty Mutual.

                  No-Fault Insurance in South Carolina

                  South Carolina is a fault-based state for auto insurance. State law requires motorists to have coverage for liability, uninsured motorist property damage, and uninsured motorist bodily injury costs as follows:

                  • $25,000 per person for bodily injury liability
                  • $50,000 per accident for bodily injury liability
                  • $25,000 per accident for property damage
                  • $25,000 per person for uninsured motorist bodily injury
                  • $50,000 per accident for uninsured motorist bodily injury
                  • $25,000 uninsured motorist property damage

                    Driving in South Carolina

                    South Carolina prohibits drivers from texting behind the wheel. Nerdwallet reports that if you have received a denial for car insurance coverage within the past 60 days you can apply for high-risk driver coverage through the Associated Auto Insurers Plan of South Carolina. This route could assist if you struggle to qualify for auto insurance because of bad credit or driving history.

                    You can save money on your South Carolina auto insurance policy by understanding the factors that influence premium prices. In addition to the factors detailed above, your cost will also be affected by the car you drive, the annual mileage you put on your vehicle, and even your profession if you qualify for a teacher, law enforcement, or military discount. Shop around for quotes from regional and state providers to get the best possible rates.

                    Sources:

                    https://www.moneygeek.com/insurance/auto/cheapest-car-insurance-south-carolina/

                    https://wallethub.com/cheap-car-insurance/south-carolina

                    https://www.valuepenguin.com/best-cheap-car-insurance-south-carolina

                    https://www.nerdwallet.com/blog/insurance/cheapest-car-insurance-in-south-carolina-sc/

                    https://www.thezebra.com/auto-insurance/south-carolina-car-insurance/

                    https://www.caranddriver.com/insurance/

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